miller, what steps has the u.s. taken both at home and abroad to complete reforms in a way that makes the financial system safer, banks too big to fail, bailouts, and for most stable economic growth. and what are the challenges to accomplish this? >> i think the most important thing that we can do is to restore confidence in our financial markets and our financial system. and i think the work that has gone on post-the dodd-frank reforms has been incredibly important making sure they are better capitalized, that they are more likd, and that they have a good plan for failure should they not succeed. i don't think our reforms are intended to prevent failure but they are making us much better prepared and to make sure our financial institutions and the activities they engage in are much safer and sounder. so we have been working very hard, i think, in the u.s. and abroad with our international counterparts to make sure that we put in place the necessary rules of the road to make sure these things can happen. so it's hap